Ford Focus Insurance Rates

Some consumers might ask, why is the Ford Focus so expensive to insure? But in truth, this reliable sedan is actually on the lower end in terms of car insurance. The average Ford Focus insurance rates are only around $111 per month or $1,336 annually. 

Before you buy Ford Focus car insurance, use this guide to help point you in the right direction. Not only can you use one of our car insurance calculators to find Ford Focus ST insurance costs, but we’ll also teach you how your Ford Focus car insurance rates are calculated. 

Once you’ve read through our comprehensive guide, you’ll be able to secure cheap car insurance for your Ford Focus like a professional. You’ll also learn how to save on multiple Ford Focus model years and trim levels, such as the 2015 or 2009 Ford Focus insurance costs. Or maybe you are looking for an older model, like the 2008 Ford Focus insurance rates. Don’t worry, we’ll cover them all. 

When you’re ready, you can start comparison shopping for some Ford Focus insurance rates no matter if you’re looking for insurance for yourself or for Ford Focus insurance for an 18-year-old.

To easily compare affordable Ford Focus car insurance quotes from multiple companies, just enter your ZIP code into our free quote tool above.

The average insurance rates for a Ford Focus are $1,188 a year with full coverage. Comprehensive costs approximately $190, collision costs $380, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,590. Teens cost the most to insure at $4,696 a year or more.

Average premium for full coverage: $1,188

Policy rates by type of insurance:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Focus trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below details estimated Ford Focus insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $692
• Choosing higher $1,000 deductibles can save $130 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,188
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,440
• Higher-risk drivers with serious driving violations could pay around $2,590 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $4,696 each year

View Chart as Image

Car insurance rates for a Ford Focus also range considerably based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,400 to $2,000 extra every year, depending on your age. High-risk driver insurance ranges from 43% to 131% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $4,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Ford Focus insurance prices. A good driver about age 40 could pay as low as $860 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,610 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $390 annually, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $468 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to compare rates from multiple companies. Each auto insurer calculates rates differently, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find Cheap Ford Focus Insurance

Finding cheaper rates on insurance for a Ford Focus takes being a low-risk driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

The items below are a brief summary of the information presented in the illustrations above.

• You may be able to save around $140 per year simply by shopping early and online
• Teen drivers pay the highest auto insurance rates, as much as $391 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $375 each year
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,400 more per year to insure their Focus
• Insureds who purchase more liability coverage will pay approximately $510 every year to raise limits from a 30/60 limit to the 250/500 level

When you are looking for a Ford Focus car insurance company, remember to also include the model year and trim level of your vehicle. As you’ve learned, it does matter whether you are looking for 2017, 2015, or 2010 Ford Focus insurance costs. 

Getting Ford Focus insurance quotes from multiple different providers will help you find savings on everything from Ford Focus SE costs to the 2015 Ford Focus coupe costs. 

Remember, your Ford Focus insurance prices will vary depending on the trim level and age of your car.

Can’t wait to find your best car insurance rates? You can use our FREE quote tool below to get Ford Focus insurance quotes instantly.

What are the safety ratings of the Ford Focus?

Older Ford Focuses are more likely to have fewer safety features, which can affect crash test ratings and insurance rates. So a Carro Ford Focus from 2010 will have different costs than the 2014 Ford Focus insurance rates or the 2009 Ford Focus SE.

Fortunately, the Ford Focus does have some great safety features, such as a rearview camera, blind-spot monitoring, rear cross-traffic alert, rear parking sensors, and lane departure warning. 

The Insurance Institute for Highway Safety (IIHS) gave the 2018 Ford Focus Sedan the following safety ratings:

• Small overlap front (driver-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

‘Good’ is the highest possible score given by the IIHS. Your car insurance rates will already reflect these nearly perfect safety ratings. 

Just remember, different model years and trim levels of the Ford Focus might receive different safety ratings. Therefore, we always recommend looking up the details about your specific vehicle for the most accuracy.

Like safety ratings, crash test results will also impact what you pay for your Ford Focus car insurance. 

Check out the results of the Ford Focus crash test ratings over the years from the National Highway Traffic Safety Administration (NHTSA) in the table below.

Ford Focus Crash Test Ratings

A 5-star rating is the highest possible score given by the NHTSA. Overall, the Ford Focus performed well. You can trust that your car insurance rates for this reliable sedan will not increase dramatically anytime soon. 

Should you compare the Ford Focus to other vehicles in the same car class?

The Ford Focus is a small car. Unfortunately, the Insurance Institute for Highway Safety found that the liability losses for the Ford Focus, in comparison to other small cars, are substantially worse than average.

What does this mean exactly? Higher insurance loss ratios lead to higher car insurance rates. View details about the different Ford Focus insurance loss probabilities by category in the table below. 

Ford Focus Insurance Loss Probability

Unfortunately, these numbers mean that most insurers will likely charge higher rates for liability insurance on a Ford Focus. 

The list below is of other small cars, so you can see how Ford Focus insurance rates compare.

• Acura ILX Insurance Rates
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• Chevrolet Cruze Insurance Rates

You are now ready to buy Ford Focus car insurance at a low rate. To find out how much a 2012 Ford Focus costs to insure, how much a 2011 Ford Focus insurance policy is, or the best car insurance rates for a 2014 Ford Focus, start by shopping around. 

You can easily compare Ford Focus car insurance quotes from reputable companies near you. 

All you have to do is enter your ZIP code into our FREE online quote tool to find the best Ford Focus insurance company in your area, whether it’s Ford Focus insurance in Houston, New York, or beyond.

References:

1. https://www.iihs.org/ratings/vehicle/Ford/focus-4-door-sedan/2018
2. https://www.nhtsa.gov/vehicle/2018/FORD/FOCUS/4%252520DR/FWD